312 Saddle Trl, Ossining, NY 10562 Property Records

Westchester County and Ossining Town property record for 312 Saddle Trl, Ossining, NY 10562

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 1,601 sqft · built 1986
Lot Size	0.01 acres (436 sqft)
Owner	Individual Name on File
Last Sale	$640,000 (May 2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`554289 80.20-1-1.3102`

Property Details

APN / Parcel Number

Primary APN	`554289 80.20-1-1.3102`
Alternative APN	`55428900103 001 031 0002`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,601 sqft
Gross Area	1,931 sqft
1st Floor Area	801 sqft
2nd Floor Area	800 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Architectural Style	Townhouse
Exterior Material	Wood
Lot Area	436 sqft (0.01 acres)
Garage Type	Attached
Garage Area	330 sqft
Porch	Porch
Porch Area	107 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Steam
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	55428900103 001 031 0002
Street Address	312 SADDLE TRL
City	OSSINING
State	NY
Zip	10562-7004
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LOT:1.000 BLK:1 SEC:80.20 DIST:554289 CITY/MUNI/TWP:OSSINING (TOV)
Legal Subdivision	FOX HILL CONDO V
Legal Block	1
Legal Lot Number	1.000
Jurisdiction	WESTCHESTER NY
Township / Civil Division	OSSINING
Census Block Group	1
Census Block	1011
Census Tract	13700

Owner

312 Saddle Trl, a condominium, is owned and occupied by an individual who bought it in May 2025.

Source: Westchester County and Ossining Town records, as of November 5, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3 WESTCHESTER PARK DR APT 315, 315, WEST HARRISON, NY 10604-3450
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2025 · Amount on File
Deed Sale	May 16, 2025 · Amount on File
Prior Sale	Aug 12, 2020 · Amount on File
Deed Document Number	651213354
Record Updated	Jun 8, 2026

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WESTCHESTER NY
Recording Date	Aug 12, 2020
Property Address	31 SADDLE TRL # 2, 2, OSSINING, NY 10562-2030
Document Number	0602093779
Book / Page	060209 / 003779
Instrument Date	Jul 30, 2020
Transaction Type	Transfer
Record Updated	Aug 27, 2020
Title Company	FLATIRON ABSTRACT LLC, FLATIRON ABS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,780.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	121 WASHINGTON AVE N WHITE PLAINS NY 106031610, WHITE PLAINS, NY 10603-1610

Mortgage

Document Number	602193507
Date	Aug 12, 2020
Book Page	060219/003507

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	468 Months
Due	Aug 11, 2059

Tax Assessment & Valuation

Source: Westchester County and Ossining Town assessment roll, as of May 31, 2024

Property Jurisdictions

Type	Name
State	New York
County	Westchester County
County Subdivision	Ossining Town
Unified School District	Ossining Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2024	Additional exemption filed	$256,700 (+3.13%) Land $86,100 Building $170,600	$256,700 (+3.13%) Land $86,100 Building $170,600
2023		$248,900 Land $86,100 Building $162,800	$248,900 Land $86,100 Building $162,800

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 312 Saddle Trl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective September 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	4 (1982–2012)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2012 · Hurricane Sandy
Claims by Event	Hurricane Sandy, Oct 2012 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 312 Saddle Trl is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OSSINING WATER DEPARTMENT serves 30,000 people · EPA ID NY5903451
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20